Author biographies:YORIS A. AU is currently working on his doctorate degree in Information and Decision Sciences at the Carlson School of Management of the University of Minnesota. He obtained a B.S. in civil engineering from Parahyangan Catholic University, Bandung, Indonesia, and an M.B.A. from the Katz Graduate School of Business, University of Pittsburgh, Pennsylvania. Prior to joining the doctoral program at Minnesota, he worked in industry and consulting for eleven years at several major companies, including Digital Equipment Corporation as a software specialist, a coal-mining company in Indonesia as a superintendent of computer and network operations, Andersen Consulting as a senior consultant and manager, and an Internet startup as a general manager. His current research interests are in the areas of information technology adoption and e-commerce applications in the financial services industry. . The authors wish to thank the reviewers and participants of HICSS-34, especially Eric Clemons, Rajiv Dewan, Jeff Sampler and Yu-Ming Wang, for offering useful suggestions that shaped this work. We also thank the anonymous JMIS reviewers, who offered additional suggestions that enabled us to refine our claims about the contributions of this research. Finally, we are indebted to Michael Killen, Founder and Chairman of Killen & Associates of Palo Alto, CA, for sponsoring our ongoing research on electronic bill presentment and payment in financial e-commerce. All errors of fact or interpretation are the responsibility of the authors.